Description: This course will provide the student with an understanding of various insurance-based products that an investment adviser may be able to use to help clients reach their goals. Life insurance and annuities are covered extensively, but students will also learn how disability and long-term care insurance can help protect investment assets. The course begins with a thorough discussion of the purposes of life insurance and why it is important for most individuals in order to protect against the unforeseen as well as how it can be used in retirement and estate planning. Evaluating and calculating an individual’s or couple’s need for life insurance is followed by a discussion of the various types of life insurance products and options available so that the student can learn which is most appropriate for a given situation. A thorough discussion of annuities and the features and options available with this insurance product will give students an understanding of how annuities work and when they might be advantageous or disadvantageous for a client. The course concludes with the student learning how to best compare insurance products and insurance companies in order to give appropriate advice to clients.

Author: Craig Kinnunen, MS, CFP®

Craig Kinnunen, MS, CFP®is an associate professor at the College for Financial Planning. Prior to joining the College, Craig enjoyed a long and successful career in personal financial planning and wealth management. Craig’s enthusiasm for financial planning extends beyond the classroom, as he also spends time providing pro bono financial education and individual financial counseling to members of the Colorado National Guard. Craig earned a bachelor of science degree in accounting from Northern Michigan University and followed that up with a master of science degree in finance from the University of Colorado in Denver. You can contact Craig at

Complexity Level: Intermediate